Ibercaja Banco, S.A.

Business Summary

Clients
natural persons and SMEs
Services
retail banking
Products
savings accounts (0.05 - 0.05 %)
time deposit accounts (0.10 - 0.10 %)
debit cards
prepaid cards
credit cards
consumer loans
mortgage loans
mutual funds
insurance
trading accounts
Area Served
ESSpain
Account Currencies
EUEUR
Card Providers
VisaVisa

Ibercaja Banco, S.A. provides services in the area of retail banking. The range of products offered by Ibercaja Banco, S.A. includes savings accounts (0.05 - 0.05 %), time deposit accounts (0.10 - 0.10 %), debit cards, prepaid cards, credit cards, consumer loans, mortgage loans, mutual funds, insurance, trading accounts. Ibercaja Banco, S.A. makes its solutions available to natural persons and SMEs.

Account Opening

Account Opening Procedure
install banking application
register via the application

Opening an account with Ibercaja Banco, S.A. can be done by performing the following steps: install banking application, register via the application.

Products

Savings Accounts

Savings accounts are interest-bearing deposits accounts which allow to withdraw money at any time. While providing more flexibility, savings accounts usually offer lower interest rates and shorter deposit terms than time deposit accounts.

Ibercaja Banco, S.A. offers the following savings accounts.

Updated on 4 July 2020

Sales Region
ESSpain
Account Currency
EUR
Interest Rate (p.a.)
0.05 %
Deposit Term
1 - 12 months
Savings Account Details
Product Name
Account Currency
EUR
Min. Interest Rate (p.a.)
0.05 %
Max. Interest Rate (p.a.)
0.05 %
Min. Deposit Term
1 month
Max. Deposit Term
12 months
Min. Investment Amount
1 EUR
Max. Investment Amount
999,999 EUR
Interest Frequency
12 times a year

ESSpain: This product is offered to Spanish residents only. When clicking on the product link you will be redirected to the product page in Spanish.
Deposit Guarantee. Savings accounts made with Ibercaja Banco, S.A. are covered by deposit guarantee scheme of Spain up to 100,000 EUR per depositor.
Withholding Tax. Interest income gained on savings accounts by non-residents of Spain is not taxed. Interest gained on savings accounts by residents of Spain is taxed at 21.00% rate. When the interest is paid, this tax is automatically withhold by Ibercaja Banco, S.A. from the savings account.

See Also

Time Deposit Accounts

Time deposits accounts are interest-bearing deposit accounts offering higher interest rates than savings accounts. However the money deposited to such account cannot be withdrawn for a specified period of time (term).

Ibercaja Banco, S.A. offers the following time deposit accounts.

Updated on 4 July 2020

Sales Region
ESSpain
Account Currency
EUR
Interest Rate (p.a.)
0.10 %
Deposit Term
6 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.10 %
Max. Interest Rate (p.a.)
0.10 %
Min. Deposit Term
6 months
Max. Deposit Term
6 months

ESSpain: This product is offered to Spanish residents only. When clicking on the product link you will be redirected to the product page in Spanish.
Deposit Guarantee. Time deposit accounts made with Ibercaja Banco, S.A. are covered by deposit guarantee scheme of Spain up to 100,000 EUR per depositor.
Withholding Tax. Interest income gained on time deposit accounts by non-residents of Spain is not taxed. Interest gained on time deposit accounts by residents of Spain is taxed at 21.00% rate. When the interest is paid, this tax is automatically withhold by Ibercaja Banco, S.A. from the time deposit account.

See Also

Credit Cards

Credit cards provide a convenient option to borrow funds for short-term financing, for examples purchasing of goods and services. Credit cards differ by credit card provider (Visa, American Express, MasterCard), credit card type (silver, gold, platinum), charged interest and annual costs. The following credit cards are offered by Ibercaja Banco, S.A..

Updated on 4 July 2020

Ibercaja Visa Dual
Sales Region
ESSpain
Card Currency
EUR
Card Provider
Visa
Card Type
Standard
Annual Costs
34.00 EUR
Credit Card Details
Product Name
Ibercaja Visa Dual
Card Provider
Visa
Card Type
Standard
Annual Costs
34.00 EUR
Card Currency
EUR
Bonus Amount
26.98 EUR
Bonus Programs
Insurances
Benefits
Services
Ibercaja Visa Universal
Sales Region
ESSpain
Card Currency
EUR
Card Provider
Visa
Card Type
Standard
Annual Costs
34.00 EUR
Credit Card Details
Product Name
Ibercaja Visa Universal
Card Provider
Visa
Card Type
Standard
Annual Costs
34.00 EUR
Card Currency
EUR
Bonus Amount
26.98 EUR
Bonus Programs
Insurances
Benefits
Services

ESSpain: This product is offered to Spanish residents only. When clicking on the product link you will be redirected to the product page in Spanish.

See Also

Trading Accounts

Trading accounts are used to execute trade transactions involving buying and selling various financial instruments, for example, stocks, bonds, futures and options. Trading accounts can hold both cash and securities.

Trading accounts offered by Ibercaja Banco, S.A. are shown in the table below.

Updated on 4 July 2020

Ibercaja Bróker
Sales Region
ESSpain
Annual Costs
40.00 EUR
Costs per Order
8.50 EUR
Trading Account Details
Product Name
Ibercaja Bróker
Annual Costs
40.00 EUR
Costs per Order
8.50 EUR
Traded Instruments
stocks
bonds
ETFs
funds
options
certificates
Stock Exchanges
XETRA
Frankfurt Stock Exchange
Madrid Stock Exchange
NYSE
Trading Account Features

Major world stock exchanges

Most popular trade instruments

Available to Spanish residents

ESSpain: This product is offered to Spanish residents only. When clicking on the product link you will be redirected to the product page in Spanish.
Investor Compensation. Trading accounts made with Ibercaja Banco, S.A. are covered by investor compensation scheme of Spain up to 20,000 EUR per investor.

See Also